Auto Insurance Coverage Quiz

What type of insurance covers car damage regardless of fault in an accident but does not cover non-crash related incidents?

• Liability Insurance

• Collision Insurance

• Comprehensive Insurance

• Personal Injury Protection

You are hit in an accident by another driver. At the hospital, you discover the other driver doesn't have insurance to cover your medical bills. What type of insurance coverage would kick in to cover your expenses?

• Collision coverage

• Comprehensive coverage

• Uninsured motorist coverage

• Liability coverage

What type of insurance covers injuries regardless of who is at fault in a car accident?

• Liability insurance

• Comprehensive insurance

• Collision insurance

• Personal Injury Protection

What type of insurance is described as the best friend of new and/or expensive cars, covering damages from various incidents including theft and accidents with animals?

• Uninsured insurance

• Personal Injury insurance

• Comprehensive car insurance

• Liability insurance

What type of insurance is described as protecting others from damage you cause, but does not cover your own car or body damage?

• Comprehensive insurance

• Collision insurance

• Liability insurance

• Personal injury protection

Every driver in the US must have ______ insurance.

• full coverage

• comprehensive

• liability

• collision

• personal injury protection

Stephen is slowing down as he approaches a red light. He is looking in his mirror to switch lanes and misjudges how close Keisha’s car is, rear-ending her car. When they get out and assess the damage, Keisha’s bumper will need to be replaced. What type of insurance could Stephen use to cover this accident?

• Uninsured Coverage

• Comprehensive insurance

• Liability insurance

• Personal Injury Protection

Answer explanation

Since Stephen was not looking and hit Keisha’s car, that makes him at fault for the accident. That means he needs to use Liability Coverage to pay for the damage to Keisha’s bumper.

Keisha had some discomfort in her neck at the time of her accident with Stephen, but thought it was minor and would go away. A week or so after the accident, Keisha finally goes to the doctor, who diagnoses her with whiplash and recommends two months of physical therapy. What type of insurance could Keisha use to cover this accident?

• Personal Injury Protection

• Comprehensive insurance

• Uninsured insurance

• Collision insurance

Answer explanation

This is somewhat of a trick question. Since he was at fault, it should be Stephen’s Liability Coverage that also pays for injuries suffered by Keisha. However, injuries reported weeks after the accident can be tricky with regards to who pays, so to be safe Keisha would want her Personal Injury Protection as a backup.

Melanie get into an accident on the highway that sends her to the hospital for three weeks with multiple broken bones. Her hospital bill totals over $32,000, but she discovers that the woman who hit her only has $25,000 worth of liability insurance. What type(s) of insurance could Melanie use to cover this accident?

• Comprehensive insurance

• Collision insurance

• Uninsured motorist coverage

• Liability insurance

Answer explanation

Melanie has two options to cover her remaining medical bills. First, she could use Uninsured/Underinsured Coverage, which kicks in when the other driver doesn’t have enough Liability Coverage. Or, she could use Personal Injury Protection since her bills are medical bills.

Bernard is driving late at night down a narrow road when a deer runs across the road. Bernard doesn’t have time to avoid the deer and hits it. His windshield gets smashed and his bumper is partially ripped off, but Bernard is okay. What type of insurance could Bernard use to cover this accident?

• Uninsured Insurance

• Liability Insurance

• Comprehensive auto insurance

• Personal Injury Protection

Answer explanation

This is a tough one. Hitting an animal falls under Comprehensive Coverage because the auto insurance companies generally believe this is a random and often unavoidable occurrence, and should be treated the same as your vehicle getting stolen or damaged by weather. Your rates generally don’t rise after such events.

You might think the answer would be Collision Coverage would be the answer since there is a collision, you’d actually be wrong. Collision Coverage pertains to collisions that likely could have been avoided (like hitting a parked car), and your insurance rates probably will rise after such an event.